2 points3 per $1 spent on airlines, accommodation, major cruises and tour operators paid directly or through travel agents listed here. Spend in foreign currency when overseas and online

1 point per dollar spent3 on eligible Card purchases at all other providers, excluding those below.

0.5 points per dollar spent3 on eligible Card purchases at:

• Utilities which are gas, water and electricity providers3

• Insurance offered by companies other than American Express3

• Telecommunication providers which includes goods and services purchased from phone, mobile and internet service providers3

• Government bodies including the Australian Taxation Office, Australia Post, federal/state and local government bodies3

Redeeming Rewards

Transfer points to any of our 9 leading airline rewards programs4

Redeem points with our 3 frequent guest programs4

Choose from merchandise and Gift Card options5

Points for Credit option6

No points expiry7

Rewards

Welcome Bonus

Receive 10,000 Membership Rewards Bonus Points2 when you apply online by 30 April 2015 are approved and spend $500 on your Card within the first 2 months of Card Membership. This offer excludes existing Card Members or previous Card Members who have held any American Express Card in the last 12 months2

Earning Rewards

Earn 1 Membership Rewards point per dollar spent3 on all other purchases excluding utilities, insurance (except insurances offered by American Express), telecommunications providers and Government bodies in Australia where you earn 0.5 Membership Rewards points per dollar spent3

Complimentary enrolment in the Membership Rewards Ascent program3

Redeeming Rewards

Transfer points to any of our 9 leading airline rewards programs4

Choose from merchandise and Gift Card options5

Book your travel instantly with Webjet6

Rewards

Welcome Bonus

Up to 7,500 bonus Qantas Frequent Flyer points2 .
This offer excludes existing Cardmembers or previous Cardmembers who have held any American Express Card in the last 12 months2

• Telecommunication providers which includes goods and services purchased from phone, mobile and internet service providers

• Government bodies including the Australian Taxation Office, Australia Post, federal/state and local government bodies

Redeeming Rewards

No points expiry4

Points transfer straight to your Qantas Frequent Flyer account5

Rewards

Welcome Bonus

Enjoy 7,500 bonus Velocity Points when you apply by 30 June 2015, are approved and spend $300 on your new2 Card within the first 3 months2.This introductory offer is available to new2 American Express Card Members only.

Earning Rewards

Earn 2 Velocity Points per dollar spent with Virgin Australia3

Earn 1 Velocity Point per dollar spent on all other purchases3

Redeeming Rewards

Redeem Points for a range of flights with Virgin Australia and Velocity’s airline partners4

Redeem Points for accommodation, car hire, or items at the Velocity Rewards Store and much more4

Rewards

Welcome Bonus

Enjoy 50,000 bonus Velocity Points when you apply by 30 June 2015, are approved and spend $500 on your new2 Card within the first 3 months2.This introductory offer is available to new2 American Express Cardmembers only.

Redeeming Rewards

Flights from 9 leading airlines7, including Virgin Australia, Singapore Airlines and Emirates

Entertainment

Credit on your account8

Using your Qantas Points

Classic Award flights9 with Qantas and over 30 partner airlines and their affiliates including oneworld® alliance airlines

Flight Upgrades on domestic and international flights10

Merchandise and gift cards from the online Qantas Store11

Rewards

Welcome Bonus

Apply online to receive 75,000 Membership Rewards bonus points2

Earning Rewards

Earn up to 2 points per $1 spent3 up to 375,000 points per membership year. After this, your earn rate will revert to 1 point per $1 spent, except at merchants where you will always earn 0.5 points per spent.

Earn 2 Membership Rewards points for every dollar spent at:-

tens of thousands of restaurants in Australia;

airlines and accommodation;

key national and regional advertising media channels;

preferred national and local courier and freight distributors;

select computer equipment and supply specialists;

Redeeming Rewards

Redeem points for unrestricted flights and a wide range of shopping, entertainment rewards and Gift Cards4

Points for Credit option5

No additional cost for up to 99 Supplementary Cards

Rewards

Welcome Bonus

Apply online to receive 10,000 Membership Rewards bonus points2

Earning Rewards

Earn up to 1 Membership Rewards point per dollar spent3 on all purchases excluding utilities, insurance (except those issued by American Express), telecommunication providers and Government bodies in Australia where you earn 0.5 Membership Rewards points per dollar spent

Annual Membership Rewards fee of $80 p.a.

Redeeming Rewards

Redeem points for unrestricted flights and a wide range of shopping, entertainment rewards and Gift Cards4

Transfer points to a number of leading airline rewards partners and frequent guest partner programs5

Book your travel instantly with Webjet6, Travelscene American Express or Harvey World Travel7

Points for Credit option8

Rewards

Welcome Bonus

No Welcome Bonus is currently available

Earning Rewards

You will earn 2 Qantas Points2 per dollar spent when you use your Card for purchases on selected Qantas services in Australia3 and 1 Qantas Point2 per dollar spent on Card purchases. This excludes spend on utilities, insurance providers (with the exception of American Express) and government bodies where you'll earn 0.5 points for every $1 spent.

Redeeming Rewards

Redeem points for a range of products, Gift Cards and experiences at the online Qantas Frequent Flyer Store4

Rewards

Welcome Bonus

Earning Rewards

Earn 1 Membership Rewards point2 per dollar spent on purchases excluding utilities, insurance (except those issued by American Express), telecommunication providers and Government bodies in Australia where you earn 0.5 Membership Rewards points per dollar spent

Annual Membership Rewards fee of $80 p.a.

Redeeming Rewards

Redeem points for a wide range of shopping, entertainment and travel rewards or Gift Cards3

Transfer points to a number of leading airline reward partner programs or frequent guest partner programs4

Rewards

Welcome Bonus

No Welcome Bonus is currently available

Earning Rewards

You will earn 2 Qantas Points1 per dollar spent when you use your Card for purchases on selected Qantas services in Australia2 and 1 Qantas Point1 per dollar spent on Card purchases. This excludes spend on utilities, insurance providers (with the exception of American Express) and government bodies where you'll earn 0.5 points for every $1 spent.

Redeeming Rewards

Redeem points for a range of products, Gift Cards and experiences at the Qantas Frequent Flyer Store3

Points transfer straight to your Qantas Frequent Flyer account1

No additional cost for Supplementary Cards9

Rewards

Welcome Bonus

No Welcome Bonus is currently available

Earning Rewards

You will earn 2 Velocity Points2 per dollar spent when you use your Card for purchases with Virgin Australia2 and 1 Velocity Point2 per dollar spent on Card purchases. This excludes spend on utilities, insurance providers (with the exception of American Express) and government bodies where you'll earn 0.5 points for every $1 spent.

Redeeming Rewards

Redeem points for a range of flights with Virgin Australia and their international airline partners6

Redeem points for accommodation, car hire or items at the Velocity Rewards Store6

Rewards

Welcome Bonus

Automatic enrolment in Membership Rewards Ascent program1

Earning Rewards

Earn 2 Membership Rewards1 points for every $1 spent on all purchases excluding utilities, insurance (except those issued by American Express) and government bodies in Australia where you'll earn 0.5 points for every $1 spent to a maximum of 100,000 points per Membership year. Thereafter earn 1 point for every dollar spent excluding those places where you earn 0.5 points.

Redeeming Rewards

Redeem points for a wide range of shopping, entertainment and travel rewards or Gift Cards2

No points expiry3

Points for Credit option4

No additional cost for Supplementary Cards

Travel

Looking after you

Pay for travel with your Card and you will be covered for a range of complementary domestic and overseas travel insurance8, including:

Medical Emergency Expenses Cover8

Travel Inconvenience Insurance8

Transport Accident Cover8

You will also have access to:

Priority Pass access to airport lounges9

Platinum Travel Service10

Cruise Privileges Program.

Platinum's by invitation only program

Fine dining privileges11

Introducing the Platinum Fare Guarantee12

Experience Virgin Lounge Access13

$200 Platinum Travel Credit14

Travel

Looking after you

Pay for travel with your Card and you will be covered for a range of complementary domestic and overseas travel insurance7, including:

Travel

Looking after you

Pay for travel with your Card and you will be covered for a range of travel insurance6, including:

Complimentary international and domestic travel insurance6

Medical Emergency Expenses Cover6

Travel Cancellation Cover6

Baggage, Money and Documents Cover6

Transport Accident Cover6

Travel Inconvenience Insurance6

You will also receive:

Two complimentary Qantas Club lounge invitations7

Travel

Looking after you

Enjoy 7,500 bonus Velocity Points when you apply by 30 June 2015, are approved and spend $300 on your new2 Card within the first 3 months2.This introductory offer is available to new2 American Express Card Members only.

Travel

Looking after you

Pay for travel with your Card and you will be covered for a range of travel insurance5, including:

Domestic and International Travel Insurance5

Travel Inconvenience Insurance5

You will also receive:

Two complimentary single entry passes to Virgin Australia lounge6

A complimentary domestic return flight with Virgin Australia7 between a wide range of Australian destinations, every year

And save on your international Business Class travel8

Travel

Not available

Travel

Looking after you

With the Membership Rewards program you can redeem your Membership Rewards points for travel with 9 leading airline partners9 including Singapore Airlines and Virgin Frequent Flyer. Excludes Qantas. Book travel instantly through one of our Travel Agency Partners

With the Qantas Frequent Flyer Rewards program you can Redeem Qantas Points4 for Award flights with Qantas and over 30 partner airlines and affiliates, including oneworld® alliance airlines

Travel

Looking after you

With the Membership Rewards program you can redeem your Membership Rewards points for travel with 9 leading airline partners12 including Singapore Airlines and Virgin Frequent Flyer. Excludes Qantas. Book travel instantly through one of our Travel Agency Partners

With the Qantas Frequent Flyer Rewards program you can Redeem Qantas Points4 points for Award flights with Qantas and over 30 partner airlines and affiliates, including oneworld® alliance airlines

Pay for travel with your Card and you will be covered for a range of travel insurance13, including:

Medical Emergency Expenses Cover13

Travel Cancellation Cover13

Baggage, Money and Documents Cover13

Personal Liability Cover13

Travel

Looking after you

For most of the Platinum Travel Insurances6 you don’t even need to use your Card for the purchase to be covered; you’re entitled to them, just for holding the Card. Plus, your dependent children (up to and including the age of 24), your spouse and any Supplementary Card Members are also covered by these travel insurances, including:

Travel Inconvenience Cover6

Platinum Travel Insurance6

You will also have access to:

Priority Pass access to airport lounges7

Platinum Travel Service8

Cruise Privileges Program.

Platinum's by invitation only program

Platinum Concierge Service9

Fine dining privileges10

Introducing the NEW Platinum Fare Guarantee11

Experience Virgin Lounge Access12

Travel

Looking after you

Pay for travel with your Card and you will be covered for a range of travel insurance9, including:

Travel Inconvenience Cover9

Transport Accident Cover9

Travel

Looking after you

Pay for travel with your Card and you will be covered for a range of travel insurance5, including:

Travel Inconvenience Cover5

Transport Accident Cover5

You can also:

Redeem points for Award Flights to hundreds of destinations through Qantas and their participating partner airlines6

Travel

Looking after you

Book your travel instantly with Webjet5, Travelscene American Express6 or Harvey World Travel6

No points limit7

No points expiry7

Points for Credit option8

Transport Accident Cover9

Travel

Looking after you

Pay for travel with your Card and you will be covered for travel insurance4, including:

Travel Inconvenience Cover4

You can also:

Redeem points for Award Flights to hundreds of destinations through Qantas and their participating partner airlines5

Travel

Looking after you

Pay for travel with your Card and you will be covered for a range of complementary domestic and overseas travel insurance3, including:

Complimentary International and Domestic Travel Insurance3

Travel Inconvenience Cover3

Transport Accident Cover3

You will also receive:

Two complimentary Single Entry passes to the Virgin Australia lounge each year4

Travel

Looking after you

Transfer points to a number of leading airline reward partner programs or frequent guest partner programs5.

Service

Here for you

24/7 Platinum Card Service.

Buyer's Advantage8

Refund Protection8

Purchase Protection8

Worldwide account access

Helpful online account tools

Online Fraud Protection Guarantee15

Complimentary membership to My Wine Companion16

Service

Here for you

Worldwide account access

Helpful online account tools

24/7 Platinum Priority Services

Online Fraud Protection Guarantee9

Service

Here for you

Worldwide account access

Helpful online account tools

Sign up for instant alerts

24/7 Global Service

Refund Protection7

Purchase Protection7

Online Fraud Protection Guarantee8

Emergency Card Replacement9

Service

Here for you

Worldwide account access

Helpful online account tools

Sign up for instant alerts

24/7 Global Service

Refund Protection7

Purchase Protection7

Online Fraud Guarantee9

Emergency Card Replacement10

Service

Here for you

Worldwide account access

Helpful online account tools

Sign up for instant alerts

24/7 Global Service

Refund Protection6

Purchase Protection6

Online Fraud Protection Guarantee8

Emergency Card Replacement9

Service

Here for you

Worldwide account access

Helpful online account tools

Sign up for instant alerts

Refund Protection5

Purchase Protection5

Online Fraud Protection Guarantee6

Emergency Card Replacement7

Service

Here for you

Worldwide account access

Helpful online account tools

Sign up for instant alerts

24/7 Global Service

Refund Protection5

Purchase Protection5

Online Fraud Protection Guarantee9

Emergency Card Replacement10

Service

Here for you

Worldwide account access

Helpful online account tools

Sign up for instant alerts

Refund Protection3

Purchase Protection3

Online Fraud Protection Guarantee4

Emergency Card Replacement5

Service

Here for you

Complimentary Standard Home Delivery for David Jones purchases10

Complimentary Gift Wrapping for David Jones purchases11

Instant Rewards, exclusive offers at David Jones

Invitations to exclusive shopping and fashion events

Fashion Pay Later option instore at David Jones12

Up to 4 Years Interest Free instore at David Jones13. 4 years interest free only applies purchases over $500.

Christmas Deferred Payment option instore at David Jones14

24/7 worldwide account access

Purchase Protection15

Online Fraud Protection16

Emergency Card Replacement17

Service

Here for you

Complimentary Priority Home Delivery for David Jones purchases14

Complimentary Gift Wrapping for David Jones purchases15

Instant Rewards, exclusive offers at David Jones

Invitations to exclusive shopping and fashion events

Fashion Pay Later option instore at David Jones16

Up to 4 Years Interest Free instore at David Jones17 . 4 years interest free only applies purchases over $500.

Service

Here for you

Hotel Elite Tier Program gives you access to Club Carlson's Gold Elite, in addition to Starwood Gold Preferred Guest membership14

Platinum's by invitation only program

Fine Dining Privileges

Refund Protection6

Purchase Protection6

Worldwide account access

Helpful online account tools.

Online Fraud Protection Guarantee15

Service

Here for you

24/7 Global Card Support

51 credit-free days on purchases10

No pre-set spending limit1

Monthly itemised statements11

Keep track of business expenditure online

Sign up for instant alerts

Online Fraud Protection Guarantee12

Emergency Card Replacement

Worldwide account access

Helpful online account tools

Service

Here for you

24/7 Global Card Support

Monthly itemised statements7

Keep track of business expenditure online

Sign up for instant alerts

Online Fraud Protection Guarantee8

Emergency Card Replacement

Worldwide account access

Helpful online account tools

Service

Here for you

24/7 Global Card Support

Up to 51 credit-free days on purchases10

No pre-set spending limit1

Receive monthly statements with the GST breakdown11 included in the charge for most transactions

Keep track of business expenditure online

Sign up for instant alerts

Online Fraud Protection Guarantee12

Emergency Card Replacement

Worldwide account access

Helpful online account tools

Service

Here for you

24/7 Global Card Support

Up to 55 interest-free days on purchases6

Receive monthly statements with the GST breakdown7 included in the charge for most transactions

Keep track of business expenditure online

Online Fraud Protection Guarantee8

Emergency Card Replacement

Worldwide account access

Helpful online account tools

Service

Here for you

24/7 Global Card Support

Up to 51 credit-free days on purchases5

No pre-set spending limit

Receive monthly statements with the GST breakdown7 included in the charge for most transactions

Keep track of business expenditure online

Sign up for instant alerts

Online Fraud Protection Guarantee8

Emergency Card Replacement

Worldwide account access

Helpful online account tools

Service

Here for you

24/7 Global Card Support

Up to 55 interest-free days on purchases6

Receive monthly statements with the GST breakdown7 included in the charge for most transactions

Keep track of business expenditure online

Online Fraud Protection Guarantee8

Emergency Card Replacement

Worldwide account access

Helpful online account tools

Eligibility

Applications are welcome from households with an annual income of $100,000 or more. Applicants should be permanent Australian residents or citizens, be over 18 and have no history of bad debt or payment default. If self employed they should have been trading for at least 18 months or 12 months if they hold an existing American Express Card.

Eligibility

Applications are welcome from households with an annual income of $50,000 or more. Applicants should be permanent Australian residents, citizens or hold a current Business Long Stay Visa. They must be over 18 and have no history of bad debt or payment default. If self employed they should have been trading for at least 18 months or 12 months if they hold an existing American Express Card.

Eligibility

Applications are welcome from households with an annual income of $35,000 or more. Applicants should be permanent Australian residents, citizens or hold a current Business Long Stay Visa. They must be over 18 and have no history of bad debt or payment default. If self employed they should have been trading for at least 18 months or 12 months if they hold an existing American Express Card.

Eligibility

Applications are welcome from households with an annual income of $65,000 or more. Applicants should be permanent Australian residents, citizens or hold a current Business Long Stay Visa. They must be over 18 and have no history of bad debt or payment default. If self employed they should have been trading for at least 18 months or 12 months if they hold an existing American Express Card.

Eligibility

Applications are welcome from households with an annual income of $40,000 or more. Applicants should be permanent Australian residents, citizens or hold a current Business Long Stay Visa. They must be over 18 and have no history of bad debt or payment default. If self employed they should have been trading for at least 18 months or 12 months if they hold an existing American Express Card.

Eligibility

Applicants must be 18 years of age and over; be permanent residents or citizens of Australia or hold a Business Long Stay Visa; and earn a minimum income of $40,000 per annum. Applicants must have no history of bad debt or payment default. If self-employed they should have been trading for at least 18 months, or 12 months if they hold an existing American Express Card.

Eligibility

Applications are welcome from households with an annual income of $65,000 or more. Applicants should be permanent Australian residents, citizens or hold a current Business Long Stay Visa. They must be over 18 and have no history of bad debt or payment default. If self employed they should have been trading for at least 18 months or 12 months if they hold an existing American Express Card.

Eligibility

Applications are welcome from households with an annual income of $40,000 or more. Applicants should be permanent Australian residents, citizens or hold a current Business Long Stay Visa. They must be over 18 and have no history of bad debt or payment default. If self employed they should have been trading for at least 18 months or 12 months if they hold an existing American Express Card.

Eligibility

Applications are welcome from households with an annual income of $40,000 or more. Applicants should be permanent Australian residents, citizens or hold a current Business Long Stay Visa. They must be over 18 and have no history of bad debt or payment default. If self employed they should have been trading for at least 18 months or 12 months if they hold an existing American Express Card.

Eligibility

Applications are welcome from households with an annual income of $65,000 or more. Applicants should be permanent Australian residents or citizens, or hold a current Business Long Stay Visa. They must be over 18 and have no history of bad debt or payment default. If self-employed they should have been trading for at least 18 months, or 12 months if they hold an existing American Express Card.

Eligibility

Applications are welcome from those with an annual income of $75,000 or more. Applicants should be permanent Australian residents or citizens and over 18 years old with no history of bad debt or payment default.

Eligibility

Applications are welcome from those with an annual income of $24,000 or more. Applicants should be permanent Australian residents or citizens and over 18 years old with no history of bad debt or payment default.

Eligibility

Applications are welcome from those with an annual income of $24,000 or more. Applicants should be permanent Australian residents or citizens and over 18 years old with no history of bad debt or payment default.

Eligibility

Applications are welcome from those with an annual income of $24,000 or more. Applicants should be permanent Australian residents or citizens and over 18 years old with no history of bad debt or payment default.

Eligibility

Applications are welcome from those with an annual income of $24,000 or more. Applicants should be permanent Australian residents or citizens and over 18 years old with no history of bad debt or payment default.

Eligibility

Applications are welcome from those with an annual income of $24,000 or more. Applicants should be permanent Australian residents or citizens and over 18 years old with no history of bad debt or payment default.

Eligibility

Applications are welcome from those with an annual income of $24,000 or more. Applicants should be permanent Australian residents or citizens and over 18 years old with no history of bad debt or payment default.

American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 1 January 2015 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited.

No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

Offer only available to new American Express Card members who apply by 30 April 2015, are approved and spend $500 on their new card in the first 2 months of Card membership. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 12 month period are ineligible for this offer. 80,000 Membership Bonus Points will be awarded to the eligible card member’s account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions. Spending at restaurants, airlines and accommodation, major cruise and tour operators will only be eligible for increased Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system(see americanexpress.com.au/earnrate for details). For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive the additional points for restaurants. Membership Rewards points are awarded on the $AU equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these merchants are only eligible for additional points if the transactions are made in Australia. The American Express Platinum Card has a points threshold of 300,000 points per year of membership, after which your earn rate will revert to one point per $1 spent (except for spend at merchants where you earn 0.5 points per $1 spent).

You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points- . Membership of the Qantas Frequent Flyer program is subject to the terms and conditions of the Qantas Frequent Flyer program available here. A joining fee applies. Under Membership Rewards Ascent Premium a minimum of 2,000 Membership Rewards points may be redeemed for Qantas Points at any one time and must be in whole numbers. Once Membership Rewards points have been redeemed for Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be reversed. Award flight availability (particularly Classic Awards) is limited particularly around peak times such as school and public holiday and other peak times.

Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of 3 months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

Points may be redeemed by the Basic Card member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card member's other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming points for Credit is not available for redemption by Corporate Card accounts and is not redeemable for cash via Credit balance refund.

As long as your account remains current and in good standing and is not overdue.

Card Members are eligible for one travel credit per year on fee renewal date from 1 October 2013. The $200 travel credit can be redeemed against any single eligible travel booking of $200 total value or more when booking through americanexpress.com.au/platinumtravel. The travel credit can be used for 365 days from date of issue and cannot be carried forward to any subsequent year. Supplementary Card Members are not eligible for this benefit. Refunds may be permitted based on supplier cancellation policy. The amount refunded will be the value of the booking, less supplier fees and the $200 contributed by American Express. There is no refund on the $200 credit. Once a booking has been cancelled the travel voucher for that year will be forfeited. Changes to bookings are permitted subject to supplier terms and conditions. Booking amendment fees may apply. Membership Rewards points will not be earned on the $200 Platinum Travel Credit.. For online redemptions made through americanexpress.com.au/platinumtravel, the credit is applicable to eligible pre-paid Flight, Hotel and Car Hire bookings only. The credit may not be used towards Cruises or Experiences. The credit may not be used towards Hotel and Car Hire bookings that are reserved on the American Express Travel website where payment is made directly to the supplier (ie Fine Hotels & Resorts). For redemptions by phone, the transaction must be for pre-paid return international flights departing from Australia on eligible carriers only. Please contact your Platinum Travel Service for a full updated list of eligible airlines. Travel services provided American Express International, Inc. ABN 15 000 618 208. Incorporated with Limited Liability in Delaware, USA. Licensed Travel Agent, 12 Shelley Street, Sydney NSW 2000. License No. NSW-2TA000113.

Complimentary Priority Pass membership is available to the Basic Platinum and one nominated Supplementary Card member per account on enrolment. Can take up to eight weeks to receive card. Platinum Card members must present the Priority Pass card and same-day boarding pass to gain entry into the lounge. Use of this card means full acceptance of Priority Pass conditions of use. One complimentary guest is permitted per eligible enrolled Platinum Card member only. Any additional travel companions will be assessed a guest visit fee at the prevailing rate, currently USD27, per person, per visit. The fee will be charged to the Platinum Card account on file. Additional Supplementary Card enrolments will be charged at a reduced rate of USD249. Visit prioritypass.com for full program terms and conditions.

Conditions apply. Availability is limited to one table per restaurant, up to four diners. Restaurant partners are subject to change without notice. All bookings must be made through Platinum Concierge.

Partners: British Airways, Cathay Pacific, Delta Air Lines, Etihad Airways, Emirates, Singapore Airlines, South African Airways, Virgin Australia and Virgin Atlantic. Terms: Valid for return fares departing from Australia only. Fares must be publicly available in Australia. The fare must be for the same seat (same carrier, route, date, flight number and booking class), with same terms and conditions (as specified by the airline) and must be available at the time that the quote is presented to Platinum Travel. Claims must be made by calling your Travel Consultant within 24 hours of booking with Platinum Travel. You will need a same-day valid written competitor quote. The new fare must be ticketed within 24 hours of price match, after which time it will be subject to change until ticketed. Airline Partners are subject to change. Platinum Fare Guarantee valid until 31 December 2015.

The basic Platinum member must be travelling with Virgin Australia. Access is to Virgin Australia branded lounges in Australia. Name on boarding pass must match the name on the Platinum card. The Platinum Card member must present his or her valid American Express Platinum Card and same day boarding pass (containing your Virgin Australia Velocity Frequent Flyer number and status if you are an existing Velocity member) to Virgin Australia lounge agents. This benefit does not provide lounge access for guests (including children). Access to Virgin Australia's lounges is subject to space availability. This benefit is subject to change or withdrawal without notice.

The transaction must be for prepaid return international flights departing from Australia. Card members are eligible for one travel voucher per year on fee renewal date from October 2013. Supplementary Card members are not eligible for this benefit. Refunds may be permitted based on supplier cancellation policy. The amount refunded will be the value of the booking, less supplier fees and the $200 contributed by American Express. There is no refund on the $200 Credit. Once a booking has been cancelled the travel voucher for that year will be forfeited. Changes to bookings are permitted subject to supplier terms and conditions. Booking amendment fees may apply. Membership Rewards points will not be earned on the $200 Platinum Travel Credit.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.

You will receive three additional Bonus Points per dollar on transactions made with My Wine Companion until 31 July 2014. Offers are valid for purchases made in Australia and charged to the Australian-dollar American Express® Platinum Card. Subject to the Terms and Conditions of the Membership Rewards program available here. Please allow 8 to 10 weeks for Bonus Points to be credited to your accounts. Where a booking is cancelled or transaction refunded, Bonus Points will be deducted.

American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 1 January 2015 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited.

Balance transfers are only available to new applicants who apply online by 30 June 2015 and are approved. A one off 1% credit plan establishment fee applies. The maximum balance transfer that you can be approved for is $7,500 or 50% of your approved credit limit whichever is less. This offer is available to new customers. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period are ineligible for this offer. Balances may not be transferred from another American Express Credit Card or American Express Business Credit card. The balance transferred will be eligible for the promotional interest rate for a six-month period from approval, at which point any remaining balance transfer balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and fees) in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions.

Offer only available to new American Express Card members who apply by 30 April 2015, are approved and spend $500 on their new card in the first 2 months of Card membership. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 12 month period are ineligible for this offer. 10,000 Membership Bonus Points will be awarded to the eligible card member’s account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au. Participating retailers include the following merchants who have been classified as “major supermarkets”: Bi-Lo, Safeway, Woolworths, Coles, IGA, Fishers, Fresh Provisions, Food For Less, Supabarn, Macro Wholefoods, Harris Farm. Participating retailers include the following merchants who have been classified as “major petrol stations”: BP, Shell, Caltex Woolworths, 7 Eleven, Woolworths Petrol, Safeway petrol, Peak & Gull. Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment. Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia. 0.5 merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express.

To transfer Membership Rewards points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Cardmembers responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.

Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of 3 months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

Partner terms and conditions apply. Available to Australian enrollees who reside in Australia only. A minimum of 7,500 points must be redeemed at any one time. Copyright Webjet Marketing Pty. Ltd. CAN 063 430 848, ABN 8406 9490 848. Part of the Webjet Limited Group. Travel Agent Licence No. 32282.

American Express Platinum Edge Credit Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Platinum Edge Credit Card Insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE. This site does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available here and consider the appropriateness of that insurance in relation to your individual requirements.

All flights are restricted to selected classes within the Saver Fare family and are subject to availability. The complimentary flight is offered on selected destinations only and not valid for flights with Virgin Australia partner airlines or any codeshare flights. Virgin Australia and American Express cannot guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for this promotion. Route availability is subject to change without notice. Baggage in excess to the 23kgs included in the promotion will attract additional fees, see virginaustralia.com for more information. The offer is subject to the American Express Flight Offer Conditions and air travel is subject to Virgin Australia Terms and Conditions of Carriage.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Cardmember Agreement, you will not be held liable for any unauthorised charges. "Immediately" means as soon as you are aware but no later than on or after the due date for payment of the statement in which the fraudulent transaction appears If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $35,000 per annum to apply for the Qantas American Express Discovery Card. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 1 January 2015 and are subject to change.

Balance transfers are only available to new applicants who apply online by 30 June 2015 and are approved. A one off 1% credit plan establishment fee applies. The maximum balance transfer that you can be approved for is $7,500 or 50% of your approved credit limit whichever is less. This offer is available to new customers. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period are ineligible for this offer. Balances may not be transferred from another American Express Credit Card or American Express Business Credit card. The balance transferred will be eligible for the promotional interest rate for a six-month period from approval, at which point any remaining balance transfer balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and fees) in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions.

The 7,500 Qantas Frequent Flyer points offer is only available to new Qantas American Express Card members who apply via the online application form and are approved by 30 June 2015 and make the required eligible Card spend(s). Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 12 month period are ineligible for this offer. Points are awarded as follows:

5,000 points will be awarded when you spend $300 on purchases with your new Card within the first three months of becoming a Cardmember.

An additional 2,500 points will be awarded after the first Card spend on purchases of selected Qantas products and services in Australia.

Maximum number of points available under this offer is 7,500 points. Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions available here, and exclusions apply. Please allow 6 to 8 weeks after you have made the eligible spend for the points to be credited to your account. Qantas Frequent Flyer membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. Not valid in conjunction with any other promotional offer.

You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/frequentflyer. Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions, and exclusions apply.

Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased on the Qantas merchant account i.e. with Qantas direct or some travel agents and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, and Qantas branded non-airfare products. Subject to the Qantas American Express Card Points Terms and Conditions.

As long as your account remains current and in good standing.

Classic Award seats are subject to capacity controls and availability is strictly limited particularly around peak times such as school and public holidays. Some flights may not have any Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com.Taxes, fees and carrier charges apply.

Qantas American Express Discovery Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Discovery Card Insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE. This does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.

Provided that you notify us immediately of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. "Immediately" means as soon as you are aware but no later than on or after the due date for payment of the statement in which the fraudulent transaction appears.

If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $65,000 per annum to apply for the Qantas American Express Ultimate Card. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 1 January 2015 and are subject to change.

Balance transfers are only available to new applicants who apply online by 30 June 2015 and are approved. A one off 1% credit plan establishment fee applies. The maximum balance transfer that you can be approved for is $7,500 or 50% of your approved credit limit whichever is less. This offer is available to new customers. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period are ineligible for this offer. Balances may not be transferred from another American Express Credit Card or American Express Business Credit card. The balance transferred will be eligible for the promotional interest rate for a six-month period from approval, at which point any remaining balance transfer balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and fees) in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions

The 50,000 Qantas Frequent Flyer points offer is only available to new American Express Card members who apply by 30 June 2015 via the online application form, are approved and make the required eligible Card spend(s). Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 12 month period are ineligible for this offer. Points are awarded as follows:

5,000 points after your first purchase on the Card

42,500 points after you spend $500 on purchases on your card within the first 3 months of becoming a Card member

2,500 points after your first Card spend on selected Qantas products and services in Australia

Maximum number of points available under this offer is 50,000 points. Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions available here, and exclusions apply. Please allow 8 to 10 weeks after the spend criteria has been met for the points to be credited to your account. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Qantas Frequent Flyer membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program.

You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/frequentflyer . Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions, and exclusions apply. Please see terms and conditions for details. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. These do not earn Qantas Frequent Flyer points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions available at americanexpress.com.au/qantaspointsconditions . Spending at the restaurants, airlines and accommodation, major cruise and tour operators categories will only be eligible for increased Qantas Frequent Flyer points if the merchants are categorised in the eligible merchant codes. Merchants are typically assigned codes and categorised based on what they primarily sell. For example, spend on dining within a retail department store, hotel, pub and liquor outlet may not be eligible for the additional points for restaurants. Qantas Frequent Flyer points are awarded on the Australian-dollar billed amount of the spend in foreign currency. Except for spend at merchants where you earn 3, 2 or 0.5 points per $1 spent, you earn 1 point for every $1 spent including if the purchase is made with someone other than the provider of the goods or service, for example through a third party such as a travel aggregator.

Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased on the Qantas merchant account i.e. with Qantas direct or some travel agents and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, and Qantas branded non-airfare products. Subject to the Qantas American Express Card Points Terms and Conditions.

As long as your account remains current and in good standing

Classic Award seats are subject to capacity controls and availability is strictly limited particularly around peak times such as school and public holidays. Some flights may not have any Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com/frequentflyer. Taxes, fees and carrier charges apply.

The Qantas American Express Ultimate Credit Card Insurances are underwritten by ACE Insurance Limited (ABN 23001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Card Insurances policy of insurance between American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996) (AEII) of 12 Shelley Street, Sydney NSW 2000, and ACE. The Insurances Conditions do not take into account your objectives, financial situation or needs. The Insurances Conditions are subject to change. It is important for you to read the Insurances Conditions and consider the appropriateness of that insurance in relation to your individual requirements. Available here.

The Qantas domestic return flight in Economy class between selected Australian capital cities is available for booking for Ultimate Cardmembers. All flights are subject to availability and neither American Express nor Qantas guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the Qantas Conditions of Carriage. No Qantas Frequent Flyer points will be awarded for travel on these flights. Subject to Qantas American Express Ultimate Card Insurances and Domestic Return Flight Conditions, available here.

Provided that you notify us immediately of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. “Immediately” means as soon as you are aware but no later than on or after the due date for payment of the statement in which the fraudulent transaction appears.

If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $40,000 per annum to apply for the Qantas American Express Premium Card. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 1 January 2015 and are subject to change.

Balance transfers are only available to new applicants who apply online by 30 June 2015 and are approved. A one off 1% credit plan establishment fee applies. The maximum balance transfer that you can be approved for is $7,500 or 50% of your approved credit limit whichever is less. Existing card members are not eligible for this offer. Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited are ineligible for this offer. The balance transferred will be eligible for the promotional interest rate for a six-month period from approval, at which point any remaining balance transfer balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and fees) in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions

The 30,000 Qantas Frequent Flyer points offer is only available to new Qantas American Express Card members who apply via the online application form, are approved by 30 June 2015 and make the required eligible Card spend(s). Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 12 month period are ineligible for this offer. Points are awarded as follows:

5,000 points after your first purchase on the Card

22,500 points after you spend $500 on purchases on your Card within the first 3 months of becoming a Cardmember

2,500 points after your first Card spend in Australia on selected Qantas products and services.

Maximum number of points available under this offer is 30,000 points. Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions available here, and exclusions apply. Please allow 6 to 8 weeks after you have made the eligible spend for the points to be credited to your account. Qantas Frequent Flyer membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program.

You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program available here. Points are earned in accordance with and subject to the Qantas American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. These do not earn Qantas Frequent Flyer points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions available here .“Major supermarkets” are Bi-Lo, Flemings, Safeway, Woolworths, Coles, IGA, Franklins, Fishers, Fresh Provisions, Food For Less, Supabarn, Macro Wholefoods, Harris Farm. Applies to transactions in Australia only. “Major petrol stations” are BP, Shell, Caltex Woolworths, 7-Eleven, Woolworths Petrol, Safeway Petrol, Peak & Gull. Applies to transactions in Australia only.

American Express Card Insurances are underwritten by ACE Insurance Limited (ABN 23001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Card Insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE. The Insurances Conditions do not take into account your objectives, financial situation or needs. The Insurances Conditions are subject to change. It is important for you to read the Insurances Conditions and consider the appropriateness of that insurance in relation to your individual requirements. Available here.

Invitations are for Premium Cardmembers and are valid for Qantas Club and Qantas operated international Business Lounges only and are not valid for International First Class Lounges, Chairman’s Lounge, Qantas Domestic Business and Qantas oneworld® alliance airline, partner or associated lounges. Each invitation is valid for a single visit before the date specified on the pass when flying with Qantas or Jetstar (with a QF or JQ flight number). Qantas Club rules apply, which are available here. Subject to the Qantas American Express Premium Card Insurances and Qantas Club Invitation Terms Conditions available here. Two Qantas Club Lounge Invitations will be sent to you within 6-8 weeks of your first Card spend in Australia on selected Qantas products and services on your Qantas American Express Premium Card each year. A year is defined as the period starting on the date on which the applicable Card Account is opened by American Express (anniversary date) and expiring on the day before the anniversary date each year thereafter. Qantas Club Invitation benefits cannot be carried forward to any subsequent year.

Provided that you notify us immediately of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. "Immediately" means as soon as you are aware but no later than on or after the due date for payment of the statement in which the fraudulent transaction appears.

If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $40,000 per annum to apply for the American Express Velocity Escape Card. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 1 January 2015 and are subject to change.

To earn and redeem Velocity Points you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, as amended from time to time.

Balance transfers are only available to new applicants who apply online by 30 June 2015 and are approved. A one off 1% credit plan establishment fee applies. The maximum balance transfer that you can be approved for is $7,500 or 50% of your approved credit limit whichever is less. This offer is available to new customers. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period are ineligible for this offer. Balances may not be transferred from another American Express Credit Card or American Express Business Credit card. The balance transferred will be eligible for the promotional interest rate for a six-month period from approval, at which point any remaining balance transfer balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and fees) in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions

Offer only available to new American Express Card members who apply by 30 June 2015, are approved and spend $300 on their new card in the first 3 months of Card membership. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 12 month period are ineligible for this offer. 7,500 Bonus Velocity Points will be awarded to your Velocity Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Velocity membership and Points earn and redemption are subject to the Velocity Membership Terms & Conditions available here.

Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here. Exclusions apply. The earn rate of 2 Points per $1 spent applies only to Virgin Australia purchases made in Australia. An earn rate of 1 Point per $1 spent applies everywhere else.

Velocity membership and Points earn and redemptions are subject to the Velocity Membership Terms & Conditions available here.

American Express Velocity Escape Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Velocity Escape Card Insurances policy of insurance between American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996) (AEII) of 12 Shelley Street, Sydney NSW 2000, and ACE. This landing page does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available here and consider the appropriateness of that insurance in relation to your individual requirements.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card member Agreement, you will not be held liable for any unauthorised charges.

If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

Applicants must be 18 years of with and subject to the American Express Velocity Card Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances, interest, balanceage or over, reside in Australia and earn a minimum income of $65,000 per annum to apply for the American Express Velocity Platinum Card. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 1 January 2015 and are subject to change.

Balance transfers are only available to new applicants who apply online by 30 June 2015 and are approved. A one off 1% credit plan establishment fee applies. The maximum balance transfer that you can be approved for is $7,500 or 50% of your approved credit limit whichever is less. This offer is available to new customers. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period are ineligible for this offer. Balances may not be transferred from another American Express Credit Card or American Express Business Credit card. The balance transferred will be eligible for the promotional interest rate for a six-month period from approval, at which point any remaining balance transfer balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and fees) in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions

Offer only available to new American Express Card members who apply by 30 June 2015, are approved and spend $500 on their new card in the first 3 months of American Express Velocity Card membership. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 12 month period are ineligible for this offer. Please allow 6 to 8 weeks after the $500 spend benchmark has been met for the 50,000 Velocity Points to be awarded to the Card member's Velocity Platinum Account. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer

Velocity Points are earned in accordance with and subject to the American Express Velocity Card Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions available here. Spending at restaurants, airlines and accommodation, major cruise and tour operators categories will only be eligible for increased Velocity Points if the merchant is categorised as eligible according to its merchant code. Each merchant is typically assigned a code and categorised based on what they primarily sell. For example, spend on dining within a retail department store, hotel, pub and liquor outlet may not be eligible for the additional Points for restaurants. Velocity Points are awarded on the Australian-dollar billed amount of the spend in foreign currency. Except for spend at merchants where you earn 3, 2 or 0.5 Points per $1 spent, you earn 1 Point for every $1 spent including if the purchase is made with someone other than the provider of the goods or service, for example through a third party such as a travel aggregator. The earn rate of 3 Points per $1 spent on Virgin Australia only applies to purchases made in Australia.

Velocity membership and Points earn and redemptions are subject to the Velocity Membership Terms & Conditions available here.

American Express Velocity Platinum Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Velocity Platinum Card Insurances policy of insurance between American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996) (AEII) of 12 Shelley Street, Sydney NSW 2000, and ACE.This landing page does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available here and consider the appropriateness of that insurance in relation to your individual requirements.

Virgin Australia lounge entry passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here. Two Single Entry passes to the Virgin Australia lounge will be activated on the Basic Cardmember's Velocity membership card annually on or after the anniversary of membership. Single Entry passes are valid for 12 months from the date of issue. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports and entry is subject to the Virgin Australia lounge Terms and Conditions, available here and as amended and notified to you from time to time.

The complimentary domestic economy Virgin Australia return flight is available between selected Australian cities and is available for booking by American Express Velocity Platinum Card members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your Card membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available. Route availability is subject to change without notice. Booking is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here and Virgin Australia Conditions of Carriage available at virginaustralia.com.

Offer provides discounts when you purchase standard adult Business Class fares for you and one guest when flying with Virgin Australia International Long Haul or Virgin Australia International Long Haul flights that codeshare or interline with Etihad Airways or Delta Airlines to selected destinations. Flights on other partner airlines are not included in this offer. Discounts vary. The basic Card member must be one of the passengers travelling and both passengers must be travelling together on the same flight and in the same fare class. All fees, taxes and surcharges apply to both guests, are not discounted and must be paid in full. Offer applies to new bookings made via American Express Membership Travel Services using your American Express Velocity Platinum Card. Offer is subject to seat availability in the nominated class of the Business cabin which may be limited at peak times such as weekends, Christmas or school holidays. Route availability is subject to change. Neither American Express nor Virgin Australia guarantee that seats will be available at the times you may wish to fly. Offered in accordance with the American Express Velocity Platinum Card Benefits Terms and Conditions available at americanexpress.com/australia/campaigns/velocity/pdfs/pds.platbenefits.pdf. Velocity Frequent Flyer membership required. Travel with Virgin Australia is subject to the Virgin Australia conditions of carriage available at virginaustralia.com.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Cardmember Agreement, you will not be held liable for any unauthorised charges. "Immediately" means as soon as you are aware but no later than on or after the due date for payment of the statement in which the fraudulent transaction appears.

If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

American Express credit approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 1 January 2015 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085), Australian Credit Licence No. 291313.

Balance transfers are only available to new applicants who apply online by 30 April 2015 and are approved. A one off 1% credit plan establishment fee applies. The maximum balance transfer that you can be approved for is $7,500 or 50% of your approved credit limit whichever is less. This offer is available to new customers. Card members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period are ineligible for this offer. Balances may not be transferred from another American Express Credit Card or American Express Business Credit card. The balance transferred will be eligible for the promotional interest rate for a six-month period from approval, at which point any remaining balance transfer balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and fees) in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions.

Offer only available to new American Express Card Members who apply by 30 April 2015, and are approved. Card Members who wish to convert their existing American Express account to the Low Rate Credit Card from American Express will not be eligible for the offer. There is no annual fee for up to 4 Supplementary Cards. This offer excludes existing or previous Card Members who have held any American Express Card in the last 12 months.

The Low Rate Credit Card from American Express Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the Low Rate Credit Card from American Express Insurances policy of insurance between American Express International, Inc. (ABN 15 000 618 208, AFS License No. 237996) (American Express) and ACE. This website does not take into account your objectives, financial situation or needs. It is important for you to read the Product Disclosure Statement available here and consider the appropriateness of that insurance in relation to your individual requirements.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. "Immediately" means as soon as you are aware but no later than on or after the due date for payment of the statement in which the fraudulent transaction appears.

If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company. Subject to American Express lending criteria. Interest rates, fees and charges apply. You must be over the age of 18 years to apply. Terms and Conditions apply. For full Terms and Conditions please see the David Jones Storecard and David Jones American Express Card Member Agreement. Cards are offered, issued and administered by American Express Australia Limited.

This offer is available to approved Cardmembers who apply online via this site and spend 3 times outside of David Jones within the first month of receiving their new Card. If you opt in to Membership Rewards, you are eligible to receive 30,000 Membership Rewards points. If you opt in to Qantas Frequent Flyer, you are eligible to receive 22,500 Qantas Points. Maximum number of points available under this offer is 30,000 Reward points. Rewards points are earned and converted to your chosen rewards program in accordance with and subject to the Terms and Conditions of the David Jones American Express Reward Program available at davidjones.com.au/rewardpoints. Conversion rates and exclusions apply. Please allow 8 to 10 weeks for Bonus Reward Points to be credited to your account. Offer not available to existing David Jones American Express Cardmembers or customers applying for the David Jones American Express Staff Card.

Reward Points are governed by the Terms and Conditions of the David Jones American Express Rewards Program. For full Terms and Conditions go to davidjones.com.au/rewardpoints. Participating retailers include the following merchants who have been classified as "major supermarkets": Bi-Lo, Safeway, Woolworths, Coles, IGA, Fishers, Fresh Provisions, Food For Less, Supabarn, Macro Wholefoods and Thomas Dux. Participating retailers include the following merchants who have been classified as "major petrol stations": BP, Shell, Caltex Woolworths, 7 Eleven, Woolworths Petrol, Safeway petrol, Peak. Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment. Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia.

Subject to the Terms and Conditions of the David Jones American Express Rewards Program available at davidjones.com.au/rewardpoints. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your account being kept in good standing and not overdue.

Subject to the David Jones American Express Reward Program Terms and Conditions available at davidjones.com.au/rewardpoints. Reward Points are earned and converted to Qantas Frequent Flyer points in accordance with the David Jones American Express Reward Program Terms and Conditions and exclusions apply. 1 Reward Point = 0.75 Qantas Frequent Flyer points. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points which are subject to the Qantas Frequent Flyer Terms and Conditions available at qantas.com/frequentflyer. A joining fee of $82.50 usually applies, however American Express has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to David Jones American Express Cardmembers who are not already a Qantas Frequent Flyer member and who apply at qantas.com/joinffdavidjones.

Subject to the David Jones Storecard and David Jones American Express Rewards Points Terms and Conditions available at davidjones.com.au/rewardpoints. The amount of Membership Rewards points required to purchase the item(s) is subject to change at any time. A minimum of 3,000 points must be redeemed at any one time. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. The David Jones Storecard, Card Members enrolled in the Qantas Frequent Flyer program and Supplementary Card holders are not eligible for Shop with Points transactions. The Primary Card must be used to complete the purchase.

Gift Card rewards are not refundable, may not be exchanged for cash or credit and are valid for a period of 3 months from the date of issue, unless otherwise stated. Individual retailer gift card conditions apply.

To transfer Membership Rewards points for points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.

Membership Rewards points may be redeemed by the Primary Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.

To transfer Membership Rewards points for points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Card Member's responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.

Receive complimentary standard delivery within Australia when you purchase instore or online at davidjones.com.au on a David Jones American Express Card or the David Jones Storecard. Excludes Gift Cards, Hampers and fresh food, Wine Club, Gift Registry and large items.

For purchases made instore at David Jones or online at davidjones.com.au on a David Jones American Express Card or the David Jones Storecard.

'Fashion Pay Later' is a deferred payment promotion available for purchases made instore at David Jones on a David Jones American Express Card or the David Jones Storecard. This promotion is available on all purchases of men's and women's apparel, shoes and fashion accessories made at David Jones with a single transaction value of $250 or more. The deferred payment period is 3 months. See the David Jones American Express Card Member Agreement for full terms and conditions

Interest Free instalment credit option is available instore on homewares, furniture, bedding and electricals to approved customers on a David Jones American Express Card and the David Jones Storecard only. Repayable in either 12, 18, 24, 36 or 48 equal monthly instalments depending on the plan. Minimum purchase $500, in one transaction. Fees and charges apply. Each new interest free instalment credit option incurs a $35 establishment fee and a $2.95 monthly account keeping fee. Not available in conjunction with any price reduction pursuant to the David Jones Price Promise. Details instore.

The Christmas Deferred Payment Option is a deferred payment promotion available for purchases made at David Jones on a David Jones American Express Card or David Jones Storecard between 1 November and 24 December. The deferred payment period expires 31 January in the following year. Refer to the David Jones Storecard and David Jones American Express Card Member Agreement for further terms and conditions.

Insurance products are arranged through American Express International, Inc. (ABN 15 000 618 208) AFS Licence No. 237996. Subject to the Terms, Conditions and Exclusions of the insurances issued by ACE Insurance Limited (ABN 23 001 642 020) AFS Licence No. 239687. It is important for you to read the Terms and Conditions available from here and consider the appropriateness of that insurance in relation to your individual requirements.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.

If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company. Subject to American Express lending criteria. Interest rates, fees and charges apply. You must be over the age of 18 years to apply. Terms and Conditions apply. For full Terms and Conditions please see the David Jones Storecard and David Jones American Express Card Member Agreement. Cards are offered, issued and administered by American Express Australia Limited.

This offer is only available to new David Jones American Express Platinum Card Members who apply online via this site, are approved and make the required eligible Card spend(s). Reward Points are awarded after you spend three times on your Card outside David Jones within the first month of becoming a David Jones American Express Platinum Card Member. If you opt in to Membership Rewards, you are eligible to receive 40,000 Membership Rewards points. If you opt in to Qantas Frequent Flyer, you are eligible to receive 30,000 Qantas Points. Maximum number of points available under this offer is 40,000 Reward Points. Reward Points are earned and converted to your chosen rewards program in accordance with and subject to the David Jones Storecard and David Jones American Express Reward Program Terms and Conditions available at davidjones.com.au/rewardpoints. Conversion rates and exclusions apply. Please allow 8 to 10 weeks after you have made the eligible spend for the points to be credited to your account. Offer not available to existing David Jones American Express Platinum Card Members or customers applying for the David Jones American Express Platinum Staff Card.

Reward Points are governed by the David Jones Storecard and David Jones American Express Reward Program Terms and Conditions and exclusions apply. For full Terms and Conditions go to davidjones.com.au/rewardpoints. Participating retailers include the following merchants who have been classified as “major supermarkets”: Bi-Lo, Flemings, Safeway, Woolworths, Coles, IGA, Franklins, Fishers, Fresh Provisions, Food For Less, Supabarn, Macro Wholefoods and Thomas Dux. Participating retailers include the following merchants who have been classified as “major petrol stations”: BP, Shell, Caltex Woolworths, 7 Eleven, Woolworths Petrol, Safeway Petrol, Peak, Mobil, Ampol and Gull. Exceptions may apply if individual retailers do not accept American Express as a form of payment.

Subject to the David Jones Storecard and David Jones American Express Reward Program Terms and Conditions available at davidjones.com.au/rewardpoints. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your account being kept in good standing and not overdue.

Subject to the David Jones Storecard and David Jones American Express Reward Program Terms and Conditions available at davidjones.com.au/rewardpoints. Reward Points are earned and converted to Qantas Frequent Flyer points in accordance with the David Jones American Express Reward Program Terms and Conditions and exclusions apply. 1 Reward Point = 0.75 Qantas Frequent Flyer points. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points, which are subject the Qantas Frequent Flyer Terms and Conditions available at qantas.com/terms.

Subject to the David Jones Storecard and David Jones American Express Rewards Points Terms and Conditions available at davidjones.com.au/rewardpoints. The amount of Membership Rewards points required to purchase the item(s) is subject to change at any time. A minimum of 3,000 points must be redeemed at any one time. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. The David Jones Storecard, Card Members enrolled in the Qantas Frequent Flyer program, and Supplementary Card holders are not eligible for Shop with Points transactions. The Primary Card must be used to complete the purchase.

Gift Card rewards are not refundable, may not be exchanged for cash or credit and are valid for a period of 3 months from the date of issue, unless otherwise stated. Individual retailer gift card conditions apply.

To transfer Membership Rewards points for points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.

Membership Rewards points may be redeemed by the Primary Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.

Classic Award seats are subject to capacity controls and availability is limited, particularly around peak times such as school and public holidays. Some flights may not have any Classic Seats available. For Classic Award flights, taxes, fees and carrier charges are payable in addition to the Qantas Points required, are subject to change and are quoted at the time of booking. The ability to redeem taxes, fees and carrier charges for travel entirely within Australia and selected international flights (commencing in Australia) is only available when booking at qantas.com and ‘Search Qantas & Partner Classic Awards’ is not selected. For travel entirely within New Zealand, the ability to redeem taxes, fees and carrier charges with Qantas Points is only available on qantas.com when the ‘Search Qantas & Partner Classic Awards’ checkbox is ticked before searching for flights. Classic Award flights must be booked at least 24 hours before scheduled departure, unless booking on qantas.com where Award bookings may be booked up to 2 hours before the scheduled departure for domestic flights and up to 4 hours for international flights. Classic Awards are not available on some routes of oneworld® alliance and partner airlines and some restrictions may apply. For eligible flights see terms and conditions.

Flight Upgrade Awards are subject to capacity controls and availability (which is limited). Flight Upgrade Awards are not available on Classic Awards or on international airfares booked in E, N, O, P, Q and X class (which includes some Qantas Any Seat Awards and some international Red e-Deal fares). you must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).

The redemption of Qantas Points for Awards from the Qantas Store is subject to the Qantas Frequent Flyer program Terms and Conditions, the Qantas Store Terms of Use, voucher terms and conditions and other terms and conditions disclosed at the time of redemption. Please note that there are separate product ranges available for delivery in Australia and New Zealand. Visit qantas.com/store for the latest products on offer in each range and for current points prices. The range of Awards and the points required are subject to change and products are available while stocks last. See qantas.com/store for further details.

To transfer Membership Rewards points for points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.

Insurance products are arranged through American Express International, Inc. (ABN 15 000 618 208) AFS Licence No. 237996. Subject to the Terms, Conditions and Exclusions of the insurances issued by ACE Insurance Limited (ABN 23 001 642 020) AFS Licence No. 239687. It is important for you to read the Terms and Conditions available here and consider the appropriateness of that insurance in relation to your individual requirements.

Receive complimentary next day delivery to any address within the metropolitan or regional area of the store in which your goods were purchased with the David Jones American Express Platinum Card. Goods must be under 25kg and no larger than 1m x 1m x 1.5m. Excludes orders placed online, gift cards, hampers, Wine Club, fresh food, Gift Registry purchases and large items.

For purchases made instore at David Jones or online at davidjones.com.au on a David Jones American Express Card or the David Jones Storecard.

'Fashion Pay Later' is a deferred payment promotion available for purchases made instore at David Jones on a David Jones American Express Card or the David Jones Storecard. This promotion is available on all purchases of men's and women's apparel, shoes and fashion accessories made at David Jones with a single transaction value of $250 or more. The deferred payment period is 3 months. See the David Jones Storecard and David Jones American Express Card Member Agreement for full terms and conditions

Interest Free instalment credit option is available instore on homewares, furniture, bedding and electricals to approved customers on a David Jones American Express Card and the David Jones Storecard only. Repayable in either 12, 18, 24, 36 or 48 equal monthly instalments depending on the plan. Minimum purchase $500, in one transaction. Fees and charges apply. Each new interest free instalment credit option incurs a $35 establishment fee and a $2.95 monthly account keeping fee. Not available in conjunction with any price reduction pursuant to the David Jones Price Promise. Details instore.

The Christmas Deferred Payment Option is a deferred payment promotion available for purchases made at David Jones on a David Jones American Express Card or the David Jones Storecard between 1 November and 24 December. The deferred payment period expires 31 January in the following year. Refer to the David Jones Storecard and David Jones American Express Card Member Agreement for further terms and conditions.

Complimentary alterations are available on all women's and men's apparel purchased instore on your David Jones American Express Platinum Card. Offer available on standard alterations including sleeve length and hem. Items cannot be returned or exchanged once altered.

Complimentary shopping bag storage is available at the Customer Service Centre at David Jones stores. David Jones will not be liable for any theft or damage to your items held via this service.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be liable for any unauthorised charges

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 10 July 2014 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited(ABN 92 108 952 085). ® Registered Trademark of American Express Company.

No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

Offer only available to new American Express Card members who apply online only, are approved by 31 December 2014 and spend $10,000 in the first 3 months of Card Membership. Please allow up to 8 to 10 weeks after 2 months of membership for the 75,000 Membership Bonus Points to be awarded to the Card Member's account. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

Subject to the Terms and Conditions of the Membership Rewards program of which you are actively enrolled in available at membershiprewards.com.au/termsandconditions. Spending at restaurants, airlines and accommodation, major cruise and tour operators will only be eligible for double Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system. For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive the additional points for restaurants. Spend on airlines or spend on accommodation is eligible for the additional points when paid directly to the merchant or through a travel agent. Membership Rewards points are awarded on the AUD equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these merchants are only eligible for additional points if the transactions are made in Australia. Selected advertising media channels include, but are not limited to: Fairfax, News Ltd, Google, The Canberra Times, Pacific Publications, ACP Publishing, Cumberland. Selected couriers include, but are not limited to: FedEx, UPS, Schenker Australia, DHL. Selected IT retailers include Apple, Dell, IBM, and exclude department stores and general computer suppliers.

Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member's other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Points for Credit is not redeemable for cash via Credit balance refund.

American Express Business Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms and conditions and exclusions contained in the policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313 (American Express) and ACE relating to the American Express Platinum Business Card. This site does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available at americanexpress.com.au/businesst&cs and consider the appropriateness of that insurance in relation to your individual requirements.

Complimentary Priority Pass membership is available to the Basic Platinum and one nominated Supplementary Card Member per account on enrolment to Priority Pass membership. It can take up to eight weeks to receive Priority Pass card. Platinum Business Card Members must present the Priority Pass card and same day boarding pass to gain entry into the lounge. Use of this card means full acceptance of Priority Pass conditions of use. Any travel companions will be assessed a guest visit fee at the prevailing rate, currently USD27, per person, per visit. The fee will be charged to the Platinum Card account on file. Additional Supplementary Card enrolments will be charged at a reduced rate of USD249, per year. Visit prioritypass.com for full program terms and conditions.

All fees or amounts payable in relation to the services are inclusive of GST where applicable. All fees, taxes and charges levied by the travel providers and/or air travel suppliers still apply and these are subject to change without notice until such time as tickets are issued. Domestic ticketing includes New Zealand. Full Terms and Conditions available here. Travel services provided by American Express International, Inc. ABN 15 000 618 208. Incorporated with limited liability in Delaware, USA. Licensed Travel Agent, 12 Shelley Street, Sydney NSW 2000. Licence No. NSW 2TA000113, ACT 212/D, QLD TAG132, VIC 30233, WA 9TA81, SA TTA 214584, TAS TAS064.

To be eligible to use this service a minimum of 100,000 Membership Rewards points applies. There is typically no charge for Rewards Concierge, although you are responsible for any purchases and/or shipping charges you authorise. Fees may apply for meetings and event planning. Return of rewards or items still in 'as sold' condition will not be accepted as part of this service. Members are unable to change or cancel orders after points have been redeemed or payment made.

Conditions apply. Availability is limited to one table per restaurant, up to four diners. Restaurant partners are subject to change without notice. All bookings must be made through Platinum Concierge.

Partners: British Airways, Delta Air Lines, Etihad Airways, Emirates, Singapore Airlines, South African Airways and Virgin Australia. Terms: Valid for return fares departing from Australia only. Fares must be publicly available in Australia. The fare must be for the same seat (same carrier, route, date, flight number and booking class), with same terms and conditions (as specified by the airline) and must be available at the time that the quote is presented to Platinum Travel. Claims must be made by calling your Travel Consultant within 24 hours of booking with Platinum Travel. You will need a same-day valid written competitor quote. The new fare must be ticketed within 24 hours of price match, after which time it will be subject to change until ticketed. Airline Partners are subject to change. Platinum Fare Guarantee valid until 31 December 2014.

Access is complimentary for the Basic Platinum Business Card Member and one complimentary guest only. The Basic Platinum Business Card Member and guest must be travelling with Virgin Australia domestically. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on Platinum Business Card. The Platinum Business Card Member and guest must present his or her valid Card and same-day boarding pass (containing their Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. One guest per Basic Platinum Business Card Member permitted. Guest must be travelling on the same Virgin Australia flight and present boarding pass. All access is subject to space availability. This benefit is subject to change. Visit virginaustralia.com/lounge for full terms and conditions.

There is typically no charge for Rewards Concierge, although you are responsible for any purchases and/or shipping charges you authorise. Fees may apply for meetings and event planning.

To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card member’s responsibility. Subject to the Terms and Conditions of the applicable partner program and a joining fee may apply.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 10 July 2014 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085). ® Registered Trademark of American Express Company.

No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

Offer only available to new American Express Card members who apply online only, are approved by 31 December 2014 and spend $5,000 in the first 3 months of Card Membership. Please allow up to 8 to 10 weeks after 2 months of membership for the 10,000 Membership Bonus Points to be awarded to the Card Member's account. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

Subject to the Terms and Conditions of the Membership Rewards program of which you are actively enrolled in. Spending at restaurants, airlines and accommodation will only be eligible for increased Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system. For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive the additional points for restaurants. Spend on airlines or accommodation is eligible for the additional points when paid directly to the merchant or through a travel agent. Membership Rewards points are awarded on the $AU equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these merchants are only eligible for additional points if the transactions are made in Australia. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Purchases at these merchants are only eligible for additional points if the transactions are made in Australia. There is no expiry date for points earned while in the program so long as you are an American Express Card Member enrolled in Membership Rewards, and your account is kept in good standing and is not overdue.

Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card Member’s responsibility. Subject to the Terms and Conditions of the applicable partner program and a joining fee may apply.

Subject to the Terms and Conditions of the American Express Membership Rewards program. Partner Terms and Conditions apply. Available to Australian enrollees who reside in Australia only. A minimum of 7,500 points must be redeemed at any one time. Copyright Webjet Marketing Pty. Ltd. ACN. 063 430 848, ABN. 8406 3430 848. Part of the Webjet Limited Group. Travel Agent Licence No. 32282

Harvey World Travel - Agents Licence No. WA - 9TA284.

Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within three business days and cannot be reversed. Points for Credit is not redeemable for cash via Credit balance refund.

American Express Business Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms and conditions and exclusions contained in the policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313 (American Express) and ACE relating to the American Express Gold Business Card. This site does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available at americanexpress.com.au/businesst&cs and consider the appropriateness of that insurance in relation to your individual requirements.

Depending on when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period.

The GST breakdown on statements generally meets the information requirements of the relevant legislative instruments outlined in your Card Member agreement. In circumstances where transactions are categorised as mixed supplies or no GST breakdown has been provided, you are advised to obtain a Tax Invoice or Adjustment Note to support your GST input tax claims. It is advised to consult your accountant or tax advisor to assess the accuracy of your GST input tax claims.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Cardmember Agreement, you will not be held liable for any unauthorised charges.

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 10 July 2014 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085). ® Registered Trademark of American Express Company.

No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee applies. Points accrue in accordance with and subject to the Qantas American Express Business Card Points Terms and Conditions. Exclusions and limitations apply. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/frequentflyer. Membership is only open to individuals. Qantas Points will be transferred automatically each month to your Qantas Frequent Flyer account. There may be tax implications associated with your participation in the Qantas Frequent Flyer program. You are advised to check with your accountant or tax adviser for further information.

Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased on the Qantas merchant account i.e. directly with Qantas or some travel agents and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, and Qantas branded non-airfare products. Subject to Points Terms and Conditions.

Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

American Express Business Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms and conditions and exclusions contained in the policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313 (American Express) and ACE relating to the Qantas American Express Business Card. This website does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available at americanexpress.com.au/businesst&cs and consider the appropriateness of that insurance in relation to your individual requirements.

Classic Award seats are subject to capacity controls and availability is strictly limited particularly around peak times such as school and public holidays. Some flights may not have any Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com/frequentflyer Taxes, fees and carrier charges apply.

The GST breakdown on statements generally meets the information requirements of the relevant legislative instruments outlined in your Card Member agreement. In circumstances where transactions are categorised as mixed supplies or no GST breakdown has been provided, you are advised to obtain a Tax Invoice or Adjustment Note to support your GST input tax claims. It is advised to consult your accountant or tax advisor to assess the accuracy of your GST input tax claims.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 1 July 2014 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited. American Express Australia Limited (ABN 92 108 952 085). ® Registered Trademark of American Express Company

No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

Subject to the Terms and Conditions of the Membership Rewards program of which you are actively enrolled in. Spending at restaurants, airlines and accommodation will only be eligible for increased Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system. For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive the additional points for restaurants. Spend on airlines or accommodation is eligible for the additional points when paid directly to the merchant or through a travel agent. Membership Rewards points are awarded on the $AU equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these merchants are only eligible for additional points if the transactions are made in Australia. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; “utilities” including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Purchases at these merchants are only eligible for additional points if the transactions are made in Australia. There is no expiry date for points earned while in the program so long as you are an American Express CardMember enrolled in Membership Rewards, and your account is kept in good standing and is not overdue.

Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a minimum period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card Member’s responsibility. Subject to the Terms and Conditions of the applicable partner program and a joining fee may apply.

Partner Terms and Conditions apply. Available to Australian enrolees who reside in Australia only. A minimum of 7,500 points must be redeemed at any one time. Copyright Webjet Marketing Pty. Ltd. ACN 063 430 848, ABN 8406 3430 848. Part of the Webjet Limited Group. Travel Agent Licence No. 32282.

Harvey World Travel - Agents Licence No. WA - 9TA284.

There is no expiry date for points earned while in the Membership Rewards program so long as you are an American Express Card Member enrolled in Membership Rewards, and your Account is kept in good standing and is not overdue.

Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within three business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.

American Express Business Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE relating to the American Express Business Card. This site does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions located at americanexpress.com.au/businesst&cs and consider the appropriateness of that insurance in relation to your individual requirements.

Depending on when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period.

The GST breakdown on statements generally meets the information requirements of the relevant legislative instruments outlined in your Card Member agreement. In circumstances where transactions are categorised as mixed supplies or no GST breakdown has been provided, you are advised to obtain a Tax Invoice or Adjustment Note to support your GST input tax claims. It is advised to consult your accountant or tax advisor to assess the accuracy of your GST input tax claims.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement.

American Express approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All information is correct as at 1 July 2014 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited. American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. Registered Trademark of American Express Company.

You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee applies. Points accrue in accordance with and subject to the Qantas American Express Business Credit Card Points Terms and Conditions. Exclusions and limitations apply. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Membership is only open to individuals. Qantas Points will be transferred automatically each month to your Qantas Frequent Flyer account. There may be tax implications associated with your participation in the Qantas Frequent Flyer program. You are advised to check with your accountant or tax adviser for further information.

Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased on the Qantas merchant account i.e. directly with Qantas or some travel agents and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, and Qantas branded non-airfare products. Subject to Points Terms and Conditions.

Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

American Express Business Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms and conditions and exclusions contained in the policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313 (American Express) and ACE relating to the Qantas American Express Business Credit Card. This site does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available at americanexpress.com.au/business t&cs and consider the appropriateness of that insurance in relation to your individual requirements.

Classic Award seats are subject to capacity controls and availability is strictly limited particularly around peak times such as school and public holidays. Some flights may not have any Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com/frequentflyer Taxes, fees and carrier charges applies.

The Credit Card gives you up to 55 days interest free on purchases, depending upon when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your account from your previous statement period. There are no interest free days on Cash Advances or for any purchases where you are carrying forward a balance on your account from the previous statement period.

The GST breakdown on statements generally meets the information requirements of the relevant legislative instruments outlined in your Card Member agreement. In circumstances where transactions are categorised as mixed supplies or no GST breakdown has been provided, you are advised to obtain a Tax Invoice or Adjustment Note to support your GST input tax claims. It is advised to consult your accountant or tax advisor to assess the accuracy of your GST input tax claims.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions.

American Express credit approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited. Supplementary Card Members must be over 18 years of age. You will be liable for all Supplementary Card spend.

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 1 July 2014 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited. American Express Australia Limited (ABN 92 108 952 085). ® Registered Trademark of American Express Company

No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here. Exclusions apply. Velocity membership and Points earn and redemption is subject to the Velocity Membership Terms & Conditions available at www.velocityfrequentflyer.com as amended from time to time. Earn rate of 2 Points per $1 spent on Virgin Australia. Only applies to purchases made in Australia. An earn rate of up to 1 Point per $1 spent applies for all other eligible purchases.

American Express Business Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE relating to the American Express Velocity Business Card. This site does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available here and consider the appropriateness of that insurance in relation to your individual requirements.

Virgin Australia lounge entry passes are subject to the American Express Velocity Business Card Benefits Terms and Conditions available here. Two Single Entry passes to the Virgin Australia lounge will be activated on the Basic Card Member's Velocity membership card annually on or after the anniversary of Card membership. Single Entry passes are valid for 12 months from the date of issue. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports and entry is subject to the Virgin Australia lounge Terms and Conditions, available here and as amended from time to time.

Depending on when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period.

Velocity membership and Points earn and redemption are subject to the Velocity Membership Terms and Conditions available at www.velocityfrequentflyer.com.

The GST breakdown on statements generally meets the information requirements of the relevant legislative instruments outlined in your Card Member agreement. In circumstances where transactions are categorised as mixed supplies or no GST breakdown has been provided, you are advised to obtain a Tax Invoice or Adjustment Note to support your GST input tax claims. It is advised to consult your accountant or tax advisor to assess the accuracy of your GST input tax claims.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement.

American Express approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All information is correct as at 1 July 2014 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited. American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. Registered Trademark of American Express Company.

Subject to the Terms and Conditions of the Membership Rewards program of which you are actively enrolled in. Spending at restaurants, airlines and accommodation will only be eligible for increased Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system. For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive the additional points for restaurants. Spend on airlines or accommodation is eligible for the additional points when paid directly to the merchant or through a travel agent. Membership Rewards points are awarded on the $AU equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these merchants are only eligible for additional points if the transactions are made in Australia. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Purchases at these merchants are only eligible for additional points if the transactions are made in Australia. There is no expiry date for points earned while in the program so long as you are an American Express Card Member enrolled in Membership Rewards, and your account is kept in good standing and is not overdue.

Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a minimum period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

There is no expiry date for points earned while in the Membership Rewards program so long as you are an American Express Card Member enrolled in Membership Rewards, and your Account is kept in good standing and is not overdue.

Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member's other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Points for Credit is not redeemable for cash via Credit balance refund.

To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card Member’s responsibility. Subject to the Terms and Conditions of the applicable partner program and a joining fee may apply

The Credit Card gives you up to 55 days interest free on purchases, depending upon when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your account from your previous statement period. There are no interest free days on Cash Advances or for any purchases where you are carrying forward a balance on your account from the previous statement period.

The GST breakdown on statements generally meets the information requirements of the relevant legislative instruments outlined in your Card Member agreement. In circumstances where transactions are categorised as mixed supplies or no GST breakdown has been provided, you are advised to obtain a Tax Invoice or Adjustment Note to support your GST input tax claims. It is advised to consult your accountant or tax advisor to assess the accuracy of your GST input tax claims.

Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions.